Car Loans

We have all types of car loans and finance. For personal or business; ask us today!

Truck & Equipment Loans

UFS Direct can organise your Equipment loans.

Recreational Vehicle & Equipment Loans

Recreation is the spice of life. Why hold back when we can get you into the water fast!

Boat Loans

What's better than a day out on the bay? Owning your own boat which is out on the bay!

Caravan & RV Loans

Looking for a caravan, RV or other recreational vehicle? We can help you with the perfect loan!

Personal Loans

Holiday time? Renovating? We have a wide range of personal loan products to suit!

Motorbike Loans

Always dreamt of that motorbike? Well now you can get it! Get your motorbike loan from UFS Direct


Car Loan FAQs

Here are some of the more frequently asked questions which are posed to us about loans. If your question is not answered below, please contact us.

Applying For A Loan

Yes, although the term of your loan does need to end 3 months before the expiry of your visa.
Absolutely. We take privacy very seriously at UFS Direct; see our privacy policy
Yes we can definitely organise a pre-approval for you
We can usually get you an approval within 2 hours
Gather all your personal details and follow the online application form. Once submitted we will need Payslips, Privacy Acknowledgement and Bank Statements.
You can enquire now or simply complete the online application form.
For more information, submit an your enquiry by clicking on the enquire now button or simply Apply Now

Loan Approvals

Depending on your profile you may be eligible for a zero deposit approval. We will try to get the lowest deposit approval we can.
Most lenders have a condition where the car cannot be older than 12 years at the end of the term of your loan.
Organise a time for you to sign the documents and usually within 24hrs you can take your car.
We do finance applicants with bad credit ratings. We specialise in this area and have numerous lenders who can assist.
TIP: Try not to put numerous enquiries on your credit file by applying to many lenders.
To get a good credit rating it is best if you stay in your loan for a minimum of 6 months and show a payment history that is early or on time.

General Loan Information

Yes whenever there is finance on a car you must have valid certificate of currency (insurance policy) covering you.
Yes if you are over 18 years and working full time. We check all our application forms very thoroughly and if there is a problem we will contact you. In the meantime, simply apply and we can go from there together.
Yes we work with to find you the perfect car for your situation. Give us a call.
This can depend on the visa/PR conditions individual to you. Please check out the department of transport website relevant in your State or Territory
Loan Terms can vary from 2-5 years. In exceptional cases loan terms can be extended to 7 yrs
Yes, finance can be arranged for Cars purchased both privately and from Car Dealers

Loan Interest Rates

Interest is calculated daily
Interest rate on your loan is dependent on your individual application. We endeavour to work with you to achieve the best result in your circumstances.
The interest rate is fixed.

Loan Payments

You can choose to make your payments via direct debit or BPAY.
You can make extra repayments via BPAY, Bank Cheque or Money Order.
Yes, interest is calculated daily, therefore the less you owe, the less interest you pay.
Call our office for further instruction on obtaining a Payout figure.
Usually it is a month after the settlement date. This depends on the finance company as there are some instances where we may be able to choose your first payment date.
Yes, all Lenders provide you with a copy of their Terms and Conditions which stipulate how loans can be terminated early. In most cases there may be an early termination fee payable for early payout.